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 The Citizens National Bank of Hammond
The Citizens National Bank of Hammond
| RSSD ID 855303 | CERTIFICATE 14820 | ABA NUMBER 21309201 |
| 19 Main St |
Quarter Ended : |
2025-12-31 |
| Hammond, New York, 13646 |
Updated : |
2026-02-04 |
| Institution Profile |
| Year Opened : |
1913 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Consumer Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
7 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 25,618 |
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Total Interest Income | 1,413 |
| Total Liabilities | 23,524 |
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Total NonInterest Income | 32 |
| Total Bank Equity Capital | 2,094 |
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Total Interest Expense | 335 |
| Total Deposits | 23,481 |
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Total NonInterest Expense | 1,527 |
| Net Loans & Leases | 19,673 |
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Net Income | (333) |
| Loan Loss Allowance | 121 |
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Net Charge Offs | 31 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 2,344 |
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Total loans | 19,916 |
| Total assets for the leverage ratio | 26,278 |
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Loans secured by real estate: | 12,902 |
| Tier 1 Leverage Ratio | 8.46 |
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Commercial and industrial loans | 1,224 |
| Tier 1 Capital Ratio | 15.45 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 16.29 |
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Loans to individuals - Other | 5,790 |
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:· The Citizens National Bank of Hammond
